FBVI (Fcn Banc) Retained Earnings: $66.30 Mil (As of Dec. 2025)

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FBVI Fcn Banc Corp FBVI
66 GF Score
Price $36.11
GF Value $34.08
Valuation Fairly Valued
! 3 Warning Signs
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What is Fcn Banc Retained Earnings?

Fcn Banc FBVI 66 Retained Earnings is $66.30 Mil as of Dec. 2025. GuruFocus rates FBVI with a GF Score™ of 66/100 and a GF Value™ of $34.08 (Fairly Valued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Fcn Banc's retained earnings for the quarter that ended in Dec. 2025 was $66.30 Mil.

Fcn Banc's quarterly retained earnings increased from Dec. 2023 ($60.63 Mil) to Dec. 2024 ($62.52 Mil) and increased from Dec. 2024 ($62.52 Mil) to Dec. 2025 ($66.30 Mil).

Fcn Banc's annual retained earnings increased from Dec. 2023 ($60.63 Mil) to Dec. 2024 ($62.52 Mil) and increased from Dec. 2024 ($62.52 Mil) to Dec. 2025 ($66.30 Mil).


Fcn Banc  (OTCPK:FBVI) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Fcn Banc Retained Earnings Historical Data

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The historical data trend for Fcn Banc's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fcn Banc Retained Earnings Chart

Fcn Banc Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only 55.33 58.99 60.63 62.52 66.30

Fcn Banc Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only 55.33 58.99 60.63 62.52 66.30
FBVI
66GF Score
Fcn Banc Corp FBVI
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Fcn Banc Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $66.30 Mil mean?
Fcn Banc (FBVI) has a Retained Earnings of $66.30 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fcn Banc and its competitors.
Is Fcn Banc's Retained Earnings too high?
Fcn Banc's current Retained Earnings is $66.30 Mil. Overall, Fcn Banc has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fcn Banc's Retained Earnings compare to HLFN and INFT?
Fcn Banc's Retained Earnings of $66.30 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fcn Banc and its competitors. Fcn Banc's current Retained Earnings is $66.30 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fcn Banc stock overvalued right now?
Based on GuruFocus' analysis, Fcn Banc (FBVI) is currently considered Fairly Valued. The stock's GF Value™ is $34.08, compared to a current price of $36.11 — trading 6% above its estimated fair value. The current Retained Earnings is $66.30 Mil. Fcn Banc's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Fcn Banc (FBVI), the current Retained Earnings is $66.30 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fcn Banc (FBVI) Overvalued in 2026?

Based on GuruFocus' analysis, Fcn Banc stock appears to be overvalued. The current stock price of $36.11 is trading 6% above its estimated GF Value™ of $34.08. GuruFocus considers Fcn Banc to be Fairly Valued.

Key valuation signals for FBVI:

  • Retained Earnings: $66.30 Mil
  • GF Value™: $34.08 vs. price of $36.11 (6% above fair value)
  • GF Score™: 66/100 with 3 warning signs

No single metric tells the full story. See the FBVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fcn Banc Business Description

Address 501 Main Street, P.O. Box 37, Brookville, IN, USA, 47012
Fcn Banc Corp provides banking services. It provides personal and business banking services which consists of deposits, loans, mortgage. The Bank conducts a general banking business in southeast Indiana and southwest Ohio which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, consumer and commercial purposes.
66GF Score

Get the complete analysis for FBVI

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.11
Price
$34.08
GF Value